Employment 360 vs Smile API

Employment 360 is Cashfree Payments’ employee background verification solution, checking employment details against EPFO databases. Businesses can submit a phone number, UAN, PAN or combinations of those inputs. Results may include a person's name, gender, UAN, phone number and masked Aadhaar details, plus latest and past employer information such as member ID, establishment ID, relieving date and registered employer name. Additional returned data may include phone number, email address, bank account and IFSC code. The product page describes retrieval as real-time and says the end user does not need to intervene. Businesses can work through a dashboard or integrate the developer-friendly API into their own platform; API documentation is linked from the product page. Cashfree lists banks and NBFCs, lending, background checks and employee onboarding as use cases. Coverage is domestic, the source is government data, and typical turnaround is instant. Cashfree launched in 2015. Its privacy policy lists ISO/IEC 27001:2022, PCI-DSS v4.0.1 and SOC 2 standards and certifications, and notes that no internet transmission or electronic storage method is completely secure. Pricing is on request.

Smile API provides real-time, user-authorized access to verified identity, employment, and financial data through an API. It consolidates information from government, HR and payroll systems, gig economy platforms, and documents users submit. Smile Wink links payroll, government, or HR accounts to retrieve employment and income data. Smile Snap extracts and validates information from identity documents, income statements, photographed IDs, PDFs, and scanned records. Smile Signals combines telecom, behavioral, and email signals for screening, while Smile Flip supports identity checks, face matching, document capture, form autofill, and configurable onboarding workflows. The API uses REST, JSON, and HTTPS, with an OpenAPI specification and Postman collection in its developer resources. New accounts can test in a sandbox using mock data; production access requires approval and is billable. Users can revoke data access, and Smile says the information is deleted through its Revoke API. The company says it complies with the Philippines Data Privacy Act of 2012 and supports data portability rights under Section 18. A free sandbox is listed, while production pricing is available on request.